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title: "CHM vs Sedera: Cheapest Plan vs Broadest Sharing" description: "CHM ($115–$299/month, strict Christian) vs Sedera ($153–$742/month, fully secular). Both have unlimited caps. The real difference is cost, faith, and what's shared." author: "WhichHealthShare Editorial" published: "2026-02-08" updated: "2026-05-27"

Both carry no network restrictions and high sharing ceilings — Sedera has no per-incident cap, while CHM caps at $125,000 per incident (up to $1M per illness with the optional Brother's Keeper add-on) — so the comparison isn't really about the sharing ceiling, it's about cost, faith, and what gets shared day-to-day. CHM is the cheapest health sharing plan in the US at $115–$299/month but requires strict Christian faith including church attendance. Sedera is fully secular at $153–$742/month and adds prescription, mental health, and telehealth sharing that CHM doesn't include.

Quick Comparison

Prices may vary depending on membership elections. Please see Membership Guidelines for full sharing rules. The Sedera Membership may not be available in all states.

CHM: Cheapest, But You Pay in Coverage Gaps

CHM starts at $115/month for individuals — the lowest price in the health sharing market by a clear margin. But that price comes with notable gaps.

What CHM does NOT cover:

• Prescription drugs (you pay out of pocket)
• Mental health care
• Telehealth visits
• Tobacco users (excluded entirely — not just higher rates)

What CHM does cover:

• Medical bills, emergency, surgery, hospital stays
• Maternity
• Preventive care
• Any doctor, any hospital — no network

Annual cost reality check:

• CHM: $115–$299 × 12 = $1,380–$3,588/year
• Sedera: $153–$742 × 12 = $2,388–$4,548/year
• Savings with CHM: $1,000–$1,000+/year

That's real money. But if you take 3 prescriptions monthly at $60/each, that's $2,160/year coming out of pocket that Sedera would cover. The math shifts depending on what you actually use.

CHM's faith requirements are strict. Church attendance required, not just a statement of faith. If you're not actively attending a Christian church, CHM membership isn't available to you — and they verify.

CHM's size is a genuine advantage. 300,000+ members is the second-largest pool in health sharing. More members means more stability and faster reimbursements.

Sedera: More Sharing, Secular Values, Smaller Pool

Sedera was built specifically for people who want health sharing without the faith component. It's the most comprehensive secular option in the market.

What Sedera shares that CHM doesn't:

• Prescription drugs included
• Mental health and therapy included
• Telehealth included
• Maternity, preventive, emergency, surgery — all shared

The secular advantage: No faith requirements, no lifestyle restrictions rooted in Christian theology. If secular community values matter to you, or if you simply don't qualify for CHM, Sedera is your comparable alternative.

The size trade-off: Sedera has 50,000+ members vs CHM's 300,000+. That's a meaningful gap. Smaller pools can create delay risk during years with an unusually high volume of shared medical needs. Sedera has operated well since 2014 with no publicized pool strain, but CHM's larger, more established pool carries less theoretical risk.

State availability: Sedera is not available in 9 states: AK, HI, IL, ME, MD, NH, PA, VT, WA. If you're in one of those states, Sedera isn't an option regardless.

Pre-Existing Conditions: CHM Is Shorter

CHM requires 12 months symptom/treatment-free (5 years for cancer) before a condition is no longer considered pre-existing and is shared like any other need; CHM Gold members can share maintained conditions even sooner, capped at $15,000 in year one and up to $50,000 by year three. Sedera imposes a 12–36 month phase-in — nothing shared in the first 12 months, graduated caps in months 13–36, fully shareable after 36 months. CHM reaches full sharing sooner than Sedera.

If you need pre-existing conditions covered sooner, Zion Health covers three conditions (hypertension, high cholesterol, type 2 diabetes) from month 1.

Who Each Plan Is Actually For

CHM makes sense if:

• You're an active Christian meeting church attendance requirements
• Prescriptions, mental health, and telehealth aren't regular needs for you
• Cost is your primary constraint
• You're healthy and the coverage gaps won't hit you

Sedera makes sense if:

• You're secular or don't qualify for CHM
• You take prescriptions or value mental health sharing
• You're in one of the 41 states it serves
• The extra $80–$80/month is manageable

Neither if:

• You're in a Sedera-excluded state and want secular health sharing (look at Zion or CrowdHealth)
• You need prescription coverage at CHM-level pricing (no plan offers this combination)
• You need to satisfy ACA insurance mandates (health sharing doesn't count as insurance)

The Real Trade-Off in One Line

CHM saves you $80+/month but leaves you paying out of pocket for prescriptions and mental health. Sedera costs more but shares more of your everyday healthcare needs.

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